We too were woried about what ohers would think of our decision to walk away, espically our older children (5 of the 6 are over 20). We, as parents, did not want to be setting a bad examplefor them. We called them all over and had a family meeting about it. We usally do not disclose the "nitty gritty" of our finances with them but in this instance it seemed pudent to do so. In the end we all agreed that this is unfortunatly the only choice we have. We cannot let ourselves go down with this sinking ship. We did not want them to think that we just gave up, we showed them how long and hard we have fought this losing battle. Now they understand.